Realtors: Close EVERY Deal
No income on tax returns? No problem. We specialize in bank statement mortgages for self-employed, 1099 workers, and gig economy earners.
If you run a business, earn cash income, or write off expenses to save on taxes—we’ve got you covered.
No W-2s, no tax returns—just bank statements to get you approved.
Chat with Our Mortgage AIWelcome to Zero Income Mortgage, the go-to mortgage experts for self-employed professionals, freelancers, and business owners who need flexible, hassle-free home financing. Traditional lenders don’t get it—but we do. If you’ve been turned down because your tax returns don’t reflect your real income, we have the solution: Bank Statement Mortgages.
✅ No W2s or Tax Returns Needed – Qualify with 12–24 months of personal or business bank statements.
✅ Low Down Payment Options – Get started with as little as 3% down.
✅ Higher Debt-to-Income (DTI) Flexibility – Qualify with DTI up to 55%.
✅ Multiple Property Types Allowed – Single-family homes, condos, multi-units (1–4), and ADUs.
✅ Borrower-Friendly Loan Limits – Finance multiple properties with higher exposure caps than conventional loans.
🔹 Bank Statement 30-Year Fixed – Orange Edition → Perfect for buyers needing the lowest down payment and high DTI flexibility.
🔹 Bank Statement 30-Year Fixed – Yellow Edition → Tailored for self-employed borrowers with unlimited primary home financing.
🔹 Bank Statement 30-Year Fixed – Blue Edition → Ideal for experienced homeowners who prioritize residual income analysis.
🔹 Bank Statement 30-Year Fixed – Pink Edition → A balanced choice with 5% down and moderate debt flexibility.
Use our secure online application to get pre-qualified or explore your options with our interactive mortgage calculators. Whether you're buying your first home, investing in real estate, or refinancing, we make it simple and stress-free.
🚀 Ready to Start? Contact Our Experts Today!
📞 Call Now: Steve Chumbler 248-906-5082 | Brandon Salem 248-302-5107
ATTENTION REALTORS
Got self-employed buyers who keep getting denied? We turn ‘no’s into ‘YES’—fast.
Your 1099 clients, gig workers, and business owners don’t need W-2s or tax returns to qualify. Our bank statement mortgage program gets them approved based on real cash flow—not outdated lending rules.
✅ No W-2s, no tax returns—just bank statements
✅ Self-employed, 1099, gig workers, and cash earners welcome
✅ Faster closings, fewer underwriting headaches
Stop losing deals. Partner with us and close more homes. Let’s talk!
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